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UPDATE: The Plum follow-up ignores the fact that I already routinely contact Help. They fix issues case by case but not the underlying problem with the super buggy app. UPDATE 2: This continues to be an unreliable app.","version":"2.214.1","date":"2024-11-25T00:00:00Z","rating":2,"app_id":"com.withplum.app","username":"James de Beresford","title":"","country":"US","tags":["performance_and_bugs","offline_functionality","updates_and_maintenance"],"review_id":"a4771bec-348c-4104-82b0-0d425575dbbd"},{"content":"Im not sure about this app yet. it seems like hard work to get things done fully, swapping bank accounts to main accounts to deposit and , charging for interest rate advantages in premium. 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Only includes bonus rate if held for 12 months. <br><br>GROW YOUR SAVINGS<br>• Earn up to 4.38% AER (variable) with our classic easy-access Interest Pocket <br>• Or get an even better rate with a 95-day Notice Account at 5.2% AER (variable)<br>• Both accounts are FSCS-protected for peace of mind, and provided by Investec Bank Plc.<br><br>EARN UP TO 4.90%* WITH PLUM INTEREST<br>• Get returns that follow the Bank of England base rate with this low-risk MMF<br>• Enjoy easy access with 1-business day withdrawals<br>• Add as much or as little as you want<br>Capital at risk. *Variable rate correct as at 24/10/24. Forecasts are not a reliable indicator of future performance. Returns aren't guaranteed. <br><br>UNLIMITED COMMISSION-FREE† STOCK INVESTING<br>• Create your profile in minutes to start buying and selling US company stocks<br>• Invest in up to 3,000 companies like Amazon or Tesla<br>• Set up recurring buy orders and price alerts to put your investing strategy into action<br> <br>† A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. The total fees charged to buy and then sell (2 trades) 1 share worth $100 would be around $0.90.<br> <br>DIVERSIFY YOUR INVESTMENTS WITH FUNDS<br>• Choose from up to 26 different funds themed around risk level or sector<br>• Personalise your portfolio with funds like ‘Slow &amp; Steady’, ‘Tech Giants’ or options with an ethical focus<br>• Premium funds allow greater diversification through the inclusion of Gold, Biotech and Real Estate assets<br>• Funds are professionally managed and each contains lots of different company shares<br>• Available with Plum Pro plan or above (from £2.99/month)<br><br>‡ Here are the fees when you invest in funds with Plum:<br>• £2.99 minimum monthly subscription<br>• 0.90% annual Assets Under Management (AUM) and average fund management fee§<br>• No withdrawal fees/limits<br> <br>§ This includes an (AUM) fee of 0.45% charged by Plum, as well as a 0.06–1.06% fund management fee, depending on the specific investment fund(s) you choose.<br> <br>GET READY FOR RETIREMENT<br>• Consolidate your existing pensions into one Self Invested Personal Pension (SIPP)<br>• Choose from risk managed or diversified global funds<br>• No subscription fee for a Plum SIPP<br>• 0.89% annual Assets Under Management (AUM) and average fund management fee<br>• Get tax relief on your contributions<br> <br>This includes a 0.45% Product Providers fee, as well as a 0.08%–1.06% fund management fee, depending on the specific investment fund(s) you choose.<br> <br>SECURITY <br>• We support biometric security <br>• Any sensitive data we hold is stored using symmetric cryptography (AES)<br>• We never share your data with third parties without consent<br>• Customer support available 7 days a week<br> <br>Plum Fintech Ltd is an agent and distributor of PayrNet Ltd (FRN 900594) and Modulr FS Ltd (FRN 900573), respectively, both authorised as EMIs by the FCA. 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